The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$80,168
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,662
−HK$2,533/mo
Today · 4.125%
HK$85,195
baseline
▲ 0.50% · 4.625%
HK$90,379
+HK$5,184/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,390/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,186
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,578
−HK$2,427/mo
Today · 4.125%
HK$94,005
baseline
▲ 0.50% · 4.625%
HK$98,960
+HK$4,955/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,010/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,202
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,194
−HK$3,041/mo
Today · 4.125%
HK$102,235
baseline
▲ 0.50% · 4.625%
HK$108,455
+HK$6,220/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,470/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,024
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,894
−HK$2,912/mo
Today · 4.125%
HK$112,806
baseline
▲ 0.50% · 4.625%
HK$118,752
+HK$5,946/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,612/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,235
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,727
−HK$3,547/mo
Today · 4.125%
HK$119,274
baseline
▲ 0.50% · 4.625%
HK$126,531
+HK$7,257/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$238,548/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,861
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,210
−HK$3,397/mo
Today · 4.125%
HK$131,607
baseline
▲ 0.50% · 4.625%
HK$138,544
+HK$6,937/mo
Deposit HK$10.55M · loan HK$24.61M · min. income ≈ HK$263,214/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,303
−HK$9,049/mo
▼ 0.25% · 3.875%
HK$148,791
−HK$4,561/mo
Today · 4.125%
HK$153,352
baseline
▲ 0.50% · 4.625%
HK$162,683
+HK$9,331/mo
Deposit HK$3.52M · loan HK$31.64M · min. income ≈ HK$306,704/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,535
−HK$8,674/mo
▼ 0.25% · 3.875%
HK$164,841
−HK$4,368/mo
Today · 4.125%
HK$169,209
baseline
▲ 0.50% · 4.625%
HK$178,128
+HK$8,919/mo
Deposit HK$3.52M · loan HK$31.64M · min. income ≈ HK$338,418/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,196 · Scale 2, in force from 26 Feb 2026)